The Financial GPS

Guide your family toward a more secure and prosperous future; while enjoying a financially confident life now.

The Financial GPS

The Financial GPS process guides you through three steps: Empowered Goals, which identifies what you want to accomplish; Next Level Roadmap, which creates a strategic plan; and Ongoing Development, which ensures continuous growth.

This approach provides the answers to these 4 important financial questions:

Rate of Return - Do you know the rate of return you need to earn on your savings and investment dollars to be able to live in the future like you live today, adjusted for inflation, and have enough money to last until your life expectancy?

Amount to Save - Do you know how much you need to be saving on a monthly or annual basis to accumulate enough money by your retirement to live at the same standard of living you enjoy today?

When to Retire - Do you know how long you will need to work before you can retire and have enough money to live until your life expectancy?

Retirement Lifestyle - Do you know how much you will need to reduce your future standard of living during retirement if you don't do something different than you are doing today?

Step 1:

Empowered Goals

Focused on identifying your financial objectives

Understanding Your Financial Foundation:

The initial meeting focuses on understanding the your financial foundation by assessing your current assets, liabilities, income, and expenses, as well as discussing your financial goals and concerns. We evaluate things like current retirement savings plans, as well as finding any inefficient strategies that might currently be hindering progress.

I'm interested in understanding how you're currently preparing for your financial future. What aspects of your financial strategy do you find most satisfying? Conversely, are there any areas of your current financial situation that you're not pleased with? As you think about the future, what improvements or enhancements would you like to see? Ultimately, what do you hope to achieve with your financial strategy?

Introducing The Personal Economic Model:

The Personal Economic Model will give you a visual picture of how money flows and allow us to communicate at the highest level. The PEM is designed to help you visualize your money from perhaps a different perspective than you have ever seen before and may help you to increase the overall efficiency of how you manage your cash flow.

Goal Setting:

Complete this sentence: When it come to my money and financial plan, all I really care about is .........................................................

Step 2:

Next Level Development

This step is based around implementation of strategies to create cashflow now and into retirement

Securing Your Income Stream:

A sound retirement plan should include guarantees for at least a portion of your income. This helps to secure a reliable and predictable source of funds, safeguarding against market volatility and unexpected expenses. Securing a guaranteed income stream can help maintain financial stability throughout retirement.

Incorporate Tax Planning Strategies:

By proactively incorporating tax planning strategies, you can effectively minimize the amount of your hard-earned money that goes to the government. This approach allows you to maximize the wealth retained within your family, ensuring financial stability and growth. Strategic planning ensures that you take full advantage of available tax benefits and opportunities.

Minimize Stock Market Volatility:

Human emotion often drives irrational decision-making, leading investors to buy high and sell low, which can significantly erode retirement income. By reacting impulsively to market fluctuations, individuals can lock in losses and miss out on potential gains. Thus, managing emotional responses to market volatility is crucial in preserving and growing retirement assets.

Step 3:

Ongoing Development

This step ensures continuous financial growth

Ongoing Monitoring and Adjustments:

Regularly review and adjust financial strategies to reflect changes in circumstances, market conditions, and goals. This continuous monitoring ensures your financial plan remains relevant and effective, building a resilient and adaptive financial future.

Legacy Planning for Children, Grandchildren, Church and Charitable Organizations

Legacy planning ensures your assets and values benefit loved ones and important causes. Use wills and trusts for children and grandchildren; and share family values. Support your church with donations, bequests, endowments, and charitable trusts. Aid charities through donations, bequests, donor funds, asset donations, and volunteering. Work with professionals, update plans regularly, communicate with beneficiaries, and keep documents organized.

Creating a Comprehensive Financial Network of Attorney's, CPA's, Risk Management Professionals:

Bringing together a team of professionals, helps ensure that clients have access to specialized knowledge and services. Each professional contributes their unique skills and insights, helping to create a holistic approach to financial planning and management.

Are you ready to take your first step to building a better financial future for your and your family?

Our Office

266 Pheasant Ridge Road

Lewisburg, PA 17837

Give us a Call

570 428 2161

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation.

Registered representative offering securities through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Advisory Services and Financial Planning offered through Vicus Capital, Inc. a Federally Registered Investment Advisor.

All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. 

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